A Montana home warranty protects major systems and appliances, like your water heater, air conditioning, and refrigerator, when they break down from regular use and prevents you from paying expensive repair and replacement costs. Instead of paying for repairs out of pocket and finding a local contractor yourself, a home warranty provider will handle all of that for you in exchange for a premium and modest service fee.
The This Old House Reviews Team is here to give you our unbiased opinion on your options for the best home warranty companies in the Treasure State. Whether you live in Great Falls or Helena, keep reading to determine which home warranty provider is best for you and your home.
Montana’s Top 3 Home Warranty Companies
The highest rated home warranty companies in Montana include:
- American Home Shield: Best Overall
- Liberty Home Guard: Most Responsive
- Home Service Club: Quickest Coverage
To determine which Montana home warranty plans are the best of the best, our team compared plans, pricing, benefits, drawbacks, and more.
American Home Shield
American Home Shield (AHS) is our top Montana home warranty company for its comprehensive coverage, years of industry experience, and flexible deductibles.
Pros and Cons
✔ Provides coverage in 49 states, excluding Alaska
✔ Doesn’t require a home inspection before coverage begins
✔ Has a claims center open 24 hours a day, 365 days a year
✘ Has a limited repair guarantee of 30 days
✘ Doesn’t offer protection for items covered by a manufacturer’s warranty
Plans and Pricing
American Home Shield offers three plans—the ShieldSilver, ShieldGold, and ShieldPlatinum—that range between $40 and $58 per month, on average. Because pricing will depend on where you live, the type of plan you choose, and the service fee you select, we recommend requesting a free quote from AHS before signing up for a plan.
AHS also provides coverage for the following optional add-ons: Electronics extended warranty, pool and spa, well pump, septic pump, guest unit under 750 square feet
Learn more: American Home Shield Review
Liberty Home Guard
Liberty Home Guard (LHG) stands out for its responsive customer service team. While many companies offer an online portal and a customer service hotline, LHG takes these offerings one step further by including a live-chat customer service feature on its website. After you enter your contact information, you’ll be connected to a live customer service representative who can process your claims and answer any questions you have.
Pros and Cons
✔ Includes live-chat customer service on its website
✔ Provides a 60-day workmanship guarantee
✔ Offers more than 38 unique add-on options, including pro-series appliances, tv mounting, and window washing
✘ Doesn’t show service call fee during quote process
✘ Limits plumbing and electrical coverage to $500 per year
Plans and Pricing
Liberty Home Guard offers three plan options: Appliance Guard, Systems Guard, and Total Home Guard. According to our quote, plans range from $70 to $80 per month. Liberty Home Guard assigns a service call fee between $65 and $125 to your account based on your plan, location, and add-on options.
Liberty Home Guard offers an impressive array of add-on options: Additional spa, carpet cleaning, casita guest unit, central vacuum, ejector pump, electronics protection, freestanding ice maker, generator, grinder pump, gutter cleaning, in-fridge ice maker, instant hot water dispenser, lawn sprinkler system, lighting fixtures, limited roof leak, pest control, plumbing fixtures, pool and spa, pro-series clothes dryer, pro-series dishwasher, pro-series microwave, pro-series range/oven/cooktop, pro-series refrigerator, pro-series washing machines, re-key services, reverse osmosis water filter system, saltwater pool, second refrigerator, septic system pumping, stand-alone freezer, sump pump, swamp cooler, trash compactor, water dispenser water line, water softener, well pump, window washing/cleaning, and wine cooler/fridge
To request a free quote, fill out Liberty Home Guard’s simple online tool.
Learn more: Liberty Home Guard Review
The Home Service Club
The Home Service Club (HSC) has 11 years of experience and is known for its immediate coverage.
Pros and Cons
✔ Provides a 30-day labor guarantee and 90-day parts guarantee
✔ Has one of the shortest waiting periods (10 days) of any home warranty provider
✔ Provides coverage on all items regardless of age, make, or model
✘ Premiums and service fees are on the higher end of the average home warranty cost
✘ There have been some complaints about poor customer service
Plans and Pricing
The Home Service Club offers two plans—Standard Coverage and Comprehensive Coverage—that cost between $46–$61 per month. Though the average HSC customer pays $95 per service call, service fees can go as low as $65 and as high as $125.
The provider also boasts an extensive list of items available for add-on coverage: Roof coverage, jetted bathtub, well pump, sewage ejector pump, pool or spa equipment, additional water heater, water softener, freestanding freezer, additional freezer, additional oven/range/cooktop, spa and spa heater, plumbing sprinkler, freestanding additional refrigerator, additional microwave, refrigerator built-in units with dual compressors, service line, additional dishwasher
Learn more: The Home Service Club Review
American Home Shield, Liberty Home Guard, and The Home Service Club are some of the best home warranty companies for Montana residents. American Home Shield is an excellent choice for homeowners who want the reliability of a company that’s been around for decades. It also provides comprehensive plans with generous coverage caps. Liberty Home Guard is another worthwhile consideration due to its responsive customer support, straightforward plans, and extensive add-on options. Before buying a home warranty, we recommend getting quotes from all three providers to compare pricing and coverage for your home.
Frequently Asked Questions
Our Rating Methodology
The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.
Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.
To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:
- Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
- Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
- Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
- Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.